Last Updated: September 2026
Southern Trust Mortgage, LLC ("Southern Trust," "STM," "we," "us," or "our") respects your privacy and is committed to protecting the personal information you provide to us.
This Online Privacy Policy explains how we collect, use, disclose, and protect information when you visit our website, use our online services, submit information through a form or loan application, or communicate with us electronically.
This Online Privacy Policy supplements our Consumer Privacy Notice provided pursuant to the Gramm-Leach-Bliley Act. If you apply for or obtain a financial product or service from Southern Trust, information collected in connection with that relationship is also governed by our Consumer Privacy Notice.
We may collect personal information that you provide directly to us, including your name, mailing address, email address, telephone number, employment information, income information, financial information, Social Security number, credit information, property information, and other information necessary to evaluate or process a mortgage loan.
We may also receive information about you from third parties involved in the mortgage process, including consumer reporting agencies, financial institutions, employers, verification providers, government agencies, service providers, and other authorized sources.
When you visit our website or use our online services, we may automatically collect certain information about your device and activity, including your IP address, browser type, device information, pages visited, referring website, and interactions with our website.
We may use information we collect to provide and improve our products and services, process mortgage applications and transactions, communicate with you, verify your identity and information, prevent fraud, comply with legal and regulatory requirements, maintain and improve our website and technology, and provide information about Southern Trust products and services that may be relevant to you.
We may share personal information as necessary to provide mortgage products and services, process transactions, comply with legal and regulatory requirements, prevent fraud, respond to legal requests, report to consumer reporting agencies, and conduct our everyday business operations.
We may also share information with service providers that perform services on our behalf, subject to appropriate privacy and security requirements.
Southern Trust does not share personal information with nonaffiliated third parties for those third parties to independently market their products or services to you.
If you provide your mobile telephone number and consent to receive text messages from Southern Trust, we may use that number to communicate with you regarding your inquiry, application, loan, account, or other communications for which you have provided consent.
We will not sell or share mobile information, text messaging originator opt-in data, or consent with third parties or affiliates for their own marketing or promotional purposes.
Consent to receive marketing text messages is not a condition of obtaining a mortgage loan or other product or service from Southern Trust.
You may opt out of text messages at any time by replying STOP. Message and data rates may apply.
We may use your contact information to communicate with you about Southern Trust products and services where permitted by law.
You may unsubscribe from marketing emails at any time by using the unsubscribe link included in the communication. Transactional, servicing, regulatory, or other nonmarketing communications may continue when permitted or required by law.
Southern Trust and its service providers may use cookies and similar technologies to operate our website, remember preferences, understand website usage, measure performance, improve our services, and support advertising and marketing activities.
Some of these technologies may collect information about your browser, device, IP address, and interactions with our website.
Where required by applicable law, you may manage certain cookie preferences through the choices provided on our website or through your browser settings.
Our website may contain links to websites or services operated by third parties. Southern Trust is not responsible for the privacy practices of websites or services that we do not control. We encourage you to review those third parties' privacy policies before providing personal information.
Southern Trust maintains administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, use, or disclosure.
Access to nonpublic personal information is limited to employees and service providers who need the information to perform legitimate business functions.
No method of transmitting or storing information can be guaranteed to be completely secure.
Federal and state laws may provide you with certain rights regarding your personal information.
Customers may also have rights to limit certain sharing of nonpublic personal information under federal law. Our Consumer Privacy Notice contains information about those rights and instructions for exercising them.
To limit eligible sharing under our Consumer Privacy Notice: Call: 800 748 2147, Option 2 Online: SouthernTrust.com/optout
Residents of certain states may have additional rights under applicable state privacy laws.
Where state law provides privacy rights or protections beyond those described in this Policy or our Consumer Privacy Notice, Southern Trust will comply with applicable state law.
California and Vermont residents: Please refer to the applicable state-specific privacy disclosures and our Consumer Privacy Notice for additional information regarding your rights.
Southern Trust's website and mortgage services are not directed to children under 13, and we do not knowingly collect personal information online from children under 13.
We may update this Online Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or services. When we make changes, we will update the "Last Updated" date at the top of this Policy.
Southern Trust Mortgage, LLC is committed to maintaining accessible digital experiences consistent with applicable law and recognized web accessibility standards. Individuals encountering accessibility barriers are encouraged to contact us so that appropriate assistance may be provided.
For questions regarding this Privacy Policy, our information handling practices, or to exercise applicable privacy rights, please contact Southern Trust Mortgage, LLC using the information below.
You may reach us by telephone at 800-748-2147 during normal business hours. Written correspondence may be directed to our principal office at: 295 Bendix Road, Suite 400, Virginia Beach, Virginia 23452.
Privacy-related inquiries may also be submitted through the contact form available on our website at: Privacy Policy Opt-Out_Form
